Which of the following types of cheque protects the holder against the risk of loss?

A crossed cheque is a type of cheque that protects the holder against the risk of loss. When a cheque is crossed, it means that two parallel lines are drawn across the face of the cheque, indicating that the cheque can only be deposited directly into a bank account, and not cashed over the counter. This provides an added layer of security for the holder, as the cheque can only be credited to the account of the person named on the cheque. This helps to prevent fraud and reduces the risk of loss, as the cheque cannot be cashed by anyone else. On the other hand, an open cheque can be cashed by anyone who presents it for payment, and a bearer cheque can be cashed by the person who holds it, regardless of whether they are the intended recipient. A post-dated cheque is one that has a future date on it and cannot be cashed until that date has passed. However, it does not provide any additional protection against loss or fraud.